Your household's money, planned before it's spent.
Aurora budgets, tracks and projects your household's money β together, in one place. Your savings come out first, and a 35-day forecast shows the dip before you reach it. Living in one currency? One ledger is the whole picture. Earning and spending across countries? Each one gets its own ledger, in its own money β never blended.
No card required Β· your free trial of a paid plan only starts counting the day our iOS app is in the App Store
Save first. Spend what's left.
Most apps track what you already spent. Aurora flips the equation β it sets aside your seed money before you budget a single expense, so saving stops being the leftover and starts being the plan.
You spend through the month and hope something is left to save. Usually, nothing is. Saving is an accident.
You set aside savings the moment income lands. You spend confidently on the rest. Saving becomes the plan, not the remainder.
A path from your first paycheck to real wealth.
Aurora isn't a spending tracker with a savings tab bolted on. It's built around one journey: build the habit, live within it, then put your seed money to work.
Save
The moment income lands, Aurora carves out your savings target first. Your spending budget is whatever remains β and it's always honest, because the seed money is already gone.
Spend
Capture spending by card text message, photo, email or statement β in your home currency or any other. A 35-day forward projection tells you exactly what's safe to spend before the next paycheck.
Grow
Track your holdings and investment accounts in your ledger's home currency. See portfolio value and gains or losses, set a target amount and date, and follow your progress as you plan regular contributions.
Your savings come out of the budget first.
Open your month and the very first line isn't an expense category β it's your savings. Aurora subtracts it before anything else, then shows you a single number: what's genuinely free to plan.
- βPay yourself first, automatically. Savings is allocated the moment income arrives β not whatever survives the month.
- βA spending budget you can trust. βTo Be Plannedβ only counts money left after saving, so you never accidentally spend your seed money.
- βWatch the habit compound. Every month you hit the target, your seed money grows β the foundation for everything you'll invest later.
Track, budget, plan, and foresee every money move.
The fundamentals every personal finance app owes you β done properly, in every ledger.
Track
Every transaction, captured your way and reconciled automatically. Nothing slips through.
Budget
By the month and the year, with pace you can read at a glance β green, amber, red.
Plan a goal
Set a target, link the money that's funding it, and watch it move β ahead, on pace, or slipping.
Foresee
A 35-day projection across every account that surfaces the dip before you reach it.
Built for real households β at home or across borders.
The fundamentals are table stakes. These are the four no other app combines.
One currency or many
One ledger for your household's home currency β or one per country, never a fake total. The headline number is always the one that's true.
No bank login. Any country.
Aurora never asks for your banking password. Card text messages, receipts and statements bring your payments in β from any bank, anywhere.
It tells you the next move
Prescriptive, not just a report. Aurora says how much to move, from where, by when.
Capture however you live
Receipt-keeper or never-sits-still β five ways in, one clean ledger, your call.
One ledger for your home. Another for every currency you live in.
Most households need exactly one ledger β and that's the whole app, nothing extra to set up. When life spans countries, Aurora doesn't sum the currencies away: each ledger has its own home currency β fixed for life β and its own accounts, budgets, goals, and projections.
- βHouseholds in one currency sharing one ledger β both partners see the same budget, the same goals, the same month ahead.
- βExpats managing a UAE salary and a Korean mortgage without one distorting the other.
- βCross-border professionals keeping AED, HKD, and KRW activity clean and separate.
- βSmall operators whose business ledger and personal ledger must never touch.
We never add these together. There is no "$23,000."
No single bank sees the whole picture. You don't need one to.
Your bank's app shows its own accounts, in its own country. Aurora takes payments from wherever they already reach you β card text messages, forwarded email receipts, statement files, photos of receipts β with no bank login and no passwords shared. It matches the same purchase across text, receipt and statement so it counts once, and keeps each country in its own ledger, in its own money β so together never means blended.
5 ways in Β· 3 countries Β· still isolated by ledger
Earning, spending, and saving are different states of mind.
Asking "where did my money go?" is a completely different headspace from "am I building toward anything?" Aurora splits your financial life into three lenses β each its own room, with its own widgets, framing, and colour language.
And it goes beyond the month: a true yearly budget lets you plan all twelve months, distribute unevenly where life is uneven, and track against the whole year. Moments are the product's voice β not notifications, but a trusted advisor that says what happened, what it means, and what to do next.
Income is never βover budgetβ β more is better, so it glows instead of turning red.
$1,000 set aside this month β before a single expense was budgeted.
From the receipt-keeper to the never-sits-still. One app, both of you.
Personal finance tools force a style on you. Aurora meets yours β capture every receipt and reconcile to the line, or forward your statements and let Aurora read them. Whichever you use, reconciliation is the same: Aurora figures out what's a duplicate, what's a match, and what needs your eyes β and only asks about the last one.
On the native iOS and Android apps, AI does the heavy lifting: snap a receipt and Aurora reads the merchant, amount, date β even line items β then categorizes it automatically. A photo becomes a clean, sorted transaction in seconds, in the right ledger.
See where your money is β and where it's heading.
The Accounts page answers two questions at once. Where is my money right now β every account, your Net liquid position, what's owed on cards. And the one almost nothing else answers well: what's about to happen?
Aurora projects your balances 35 days forward across every account, surfaces your low point before you reach it, and when a card auto-pay is going to fall short, tells you the exact next move β how much to move, from where, by when.
This is the difference between an app that reports the past and one that helps you steer.
One home or two countries. Aurora fits.
The household at home
One country, one currency, bills shared between you. One ledger you both see β savings set aside first, a budget you can trust, and a forecast of the month ahead.
The expat household
Earning in one currency, remitting in another, life split across two countries. Two ledgers that finally stay honest about which is which.
The cross-border professional
Consulting and travel, with income and expenses landing in three currencies a month. Each corridor clean, each projection real.
The multi-entity operator
A side business and a personal life that must never bleed into one another. Hard isolation, by design β not by discipline.
Ask your money anything. It answers in your own numbers.
Talk to it the way you'd talk to a friend who's good with money. No menus, no keywords, no βsorry, I didn't understandβ β ask, follow up, change your mind. It reads the ledger you have open, down to the lines on your receipts, and answers with your actual figures.
A conversation, not a chatbot
Ask a follow-up and it remembers what you were talking about. βIs that new spending, or did I just move it online?β just works.
Your figures, not averages
Merchants, categories, budgets and receipt items β read straight from your own ledger, so the answer is about you, not a typical household.
Looks, never touches
It can read the ledger you have open and nothing else, it can't change a thing, and your questions are deleted after 30 days.
Included in Single, Couple / Expat and Family. Compare plans β
Answers are written by AI and can be wrong. They are not financial, tax or legal advice.
Your financial data is yours. Protecting it comes first.
Security is Aurora's top priority, not a feature we added later. Here is exactly how we handle your data β what we keep, how it's protected, and who can and can't see it.
We don't collect who you are
No ID or passport number, no date of birth, no home address or phone number, no full account or card numbers and never a banking password. Beyond your ledger, we hold only your email and the name you choose to show.
Every file encrypted, with its own key
Statements, receipts and photos you upload are encrypted with AES-256-GCM β each file under its own key, tied to your household and kept apart from where the files are stored. A copied disk or backup is unreadable on its own. Statement files are kept one month β PDF statements with your name, address and account numbers blacked out β and receipts 18 months, then deleted.
Our team can't open your files
Our support and admin tools are built so they cannot open your statements, receipts or questions β a rule in the software, not a promise in a policy. We see a conversation only if you share it, and production access is limited to the few who must have it.
Leading AI, never trained on you
Aurora works with Anthropic (Claude) and Google (Gemini) on their paid business terms only β never a free consumer tier. Under those terms your data is never used to train their models.
Your texts stay on your phone
Aurora reads card and bank texts on your phone and keeps only the transaction. Passcodes and every other message are dropped right there, and the message itself is never sent. On iPhone, Apple doesnβt let apps open your messages: a Shortcuts automation hands Aurora only the texts with your word, like βendingβ. On Android, Aurora reads only the card companies and banks you add.
Your inbox stays yours
E-mail forwarding reads only what your own Gmail filter sends β Aurora never signs in to your mailbox. If your Gmail ever starts sending all your mail, Aurora notices, stops reading anything that isnβt a receipt or statement, and tells you how to switch it off.
Why Aurora is a paid service
Keeping your data safe costs money β secure infrastructure, and AI on terms that rule out training on your data. We pay for that with subscriptions, not with your data. We never sell it, never show you ads and never use your financial records to train AI.
We publish every detail of how we handle your data.
Start free. Grow into the plan that fits.
Capture, budgets and the dashboard are free for good. Paid plans add AI Money Buddy, receipts, goals, investments, statement import and room for the whole household.
USDAll prices are in US dollars β whatever currency your household lives in.
Free
60 transactions a month Β· 1 ledger Β· 1 member
- βMonthly budgetPlan each category for the month and see how you are pacing.
- βCard SMS captureCard text messages on your phone become transactions automatically. Messages are read on the phone; only the transaction details are kept.
- βPaste a card text message to fill in a transactionCopy a card or bank text message, paste it, and the transaction details are filled in for you.
- βAutomatic categoriesNew transactions get a category automatically; you can always change it.
- βCSV exportDownload your transactions as a spreadsheet file.
- βSavings goalsSet a target and watch each goal fill up.
Single
300 transactions a month Β· 2 ledgers Β· 1 member
Everything in Free, plus
- βAI Money BuddyAsk about your own spending in plain words β it reads your figures and answers.
- βPhoto and e-mailed receiptsSnap a receipt or forward the e-mail β it's read and filed for you.
- βType or say itDescribe a purchase in your own words, by keyboard or dictation, or paste an app notification β the form fills itself in.
- βCross-Ledger ReportEvery country's money in one currency, on any date.
- βInvestments and loansTrack holdings, activity and what you owe.
- βTripsSee what each trip really cost.
- βYearly planPlan the whole year, month by month.
- βMonthly LetterA written recap of your money, every month.
Couple / Expat
600 transactions a month Β· 5 ledgers Β· 2 members
Everything in Single, plus
- βStatement importDrop in a card or bank statement PDF and every line comes in.
- βShare with your householdInvite your partner or family to the same ledgers.
- βReconcile workbenchCheck statement lines against what you captured.
Family
2,000 transactions a month Β· 10 ledgers Β· 6 members
Everything in Couple / Expat, plus
- β2,000 transactions a monthHow many transactions your household can add each month, across all ledgers.
- βUp to 10 ledgersOne ledger per currency you live or bank in, each with its own accounts and budget.
- βUp to 6 membersHow many people can share your household.
Our Android app is on Google Play and our iOS app is in open beta on TestFlight. Join and use it now β your 14-day free trial of a paid plan only starts counting the day the iOS app is in the App Store. No card needed. Prices in US dollars (USD); change or cancel any time.
Compare every featureHide the comparison
| Feature | Free | Single | Couple / Expat | Family |
|---|---|---|---|---|
| Limits | ||||
| Transactions a monthHow many transactions your household can add each month, across all ledgers. | 60 | 300 | 600 | 2,000 |
| Active ledgersOne ledger per currency you live or bank in, each with its own accounts and budget. | 1 | 2 | 5 | 10 |
| Household membersHow many people can share your household. | 1 | 1 | 2 | 6 |
| Dashboard | ||||
| Dashboard β income, spending and budgetYour month at a glance: what came in, what went out, and how each budget is pacing. | Included | Included | Included | Included |
| Goals on the dashboardYour savings goals and their progress, right on the dashboard. | Included | Included | Included | Included |
| 35-day cash cushion forecastProjects your balances 35 days ahead and shows the low point before you reach it. | Included | Included | Included | Included |
| Net worth across accountsWhat you own minus what you owe, across your accounts. | Not included | Included | Included | Included |
| Getting transactions in | ||||
| Manual entryAdd any transaction by hand. | Included | Included | Included | Included |
| Paste a card text message to fill in a transactionCopy a card or bank text message, paste it, and the transaction details are filled in for you. | Included | Included | Included | Included |
| Type or say it: a purchase in your own words, or a pasted app notificationDescribe a purchase in your own words β typed or dictated β or paste an app notification, and the form fills itself in. | Not included | Included | Included | Included |
| Card SMS captureCard text messages on your phone become transactions automatically. Messages are read on the phone; only the transaction details are kept. | Included | Included | Included | Included |
| Photo receiptsTake a photo of a receipt; the shop, amount, date and items are read for you. | Not included | Included | Included | Included |
| E-mailed receipts, with automatic forwarding rulesForward receipt e-mails to Aurora β set up once with a mail filter β and they are read and filed. | Not included | Included | Included | Included |
| Automatic categoriesNew transactions get a category automatically; you can always change it. | Included | Included | Included | Included |
| Marketplace receipts split by itemAn online-shop order with many items is split across the right categories. | Not included | Included | Included | Included |
| Receipts matched to card SMSA receipt and the card text for the same purchase are matched, so it counts once. | Not included | Included | Included | Included |
| Credit card statement import (PDF)Upload a credit card statement PDF and its lines become transactions. | Not included | Not included | Included | Included |
| Bank statement import (PDF)Upload a current or savings account statement PDF and its lines become transactions. | Not included | Not included | Included | Included |
| Reconcile workbenchCheck a statement against what you captured, and fix anything missing or counted twice. | Not included | Not included | Included | Included |
| Transaction tools | ||||
| Search, edit, split, transfers and refundsFind, edit and split transactions, and record transfers and refunds. | Included | Included | Included | Included |
| TripsKeep a tripβs spending together in one place. | Not included | Included | Included | Included |
| Recurring bills, with late-payment detectionTrack regular bills and see when one is late. | Included | Included | Included | Included |
| Auto-categorise rulesTell Aurora once how to categorise a merchant, and it remembers. | Included | Included | Included | Included |
| TagsLabel transactions your own way, across categories. | Included | Included | Included | Included |
| Budget | ||||
| Monthly budgetPlan each category for the month and see how you are pacing. | Included | Included | Included | Included |
| Yearly plan and overviewPlan the whole year month by month, including bills that do not come every month. | Not included | Included | Included | Included |
| RolloverBudget you did not use can carry forward. | Included | Included | Included | Included |
| Budget thresholdsChoose when a category turns from green to amber to red. | Included | Included | Included | Included |
| Savings | ||||
| Savings goalsSave toward a target by a date, and tag the transactions that fund it. | Included | Included | Included | Included |
| Investments | ||||
| Investments β holdings and activityTrack holdings, buys and sells, and gains, in your ledgerβs currency. | Not included | Included | Included | Included |
| Accounts | ||||
| Credit card accountsAdd as many credit cards as you like. | Included | Included | Included | Included |
| Debit cardsAdd a debit card and link it to the bank account it pays from; its purchases come straight off that balance. | Included | Included | Included | Included |
| Cash walletsTrack spending from cash. | Included | Included | Included | Included |
| Current and savings accountsCurrent and savings accounts, each with its own balance. | Included | Included | Included | Included |
| Loan accountsTrack what you owe on a loan as you pay it down. | Not included | Included | Included | Included |
| Investment accountsBrokerage and other investment accounts, alongside the rest. | Not included | Included | Included | Included |
| Card payment-due projectionSee what each card will ask you to pay, and when. | Included | Included | Included | Included |
| Receipt data | ||||
| Receipt price sharing and price searchIf you opt in, share receipt prices without your name and see what items cost at other shops. | Not included | Included | Included | Included |
| Reporting | ||||
| Monthly LetterA short write-up of your month: what changed and what to look at next. | Not included | Included | Included | Included |
| Cross-Ledger ReportOne report across your ledgers in different currencies, converted to a currency you choose. | Not included | Included | Included | Included |
| CSV exportDownload your transactions as a spreadsheet file. | Included | Included | Included | Included |
| AI | ||||
| AI Money Buddy β ask questions about Aurora and your own figuresAsk questions in plain words about Aurora or your own figures. It only reads; it never changes anything. | Not included | Included | Included | Included |
| Settings | ||||
| Currency, categories, notifications and SMS sendersSet your home currency, categories and notifications, and which text-message senders to read. | Included | Included | Included | Included |
| Invite household membersInvite a partner or family into your household, each with their own role. | Not included | Not included | Included | Included |
| Platform | ||||
| Mobile appUse Aurora on iPhone and Android as well as on the web. | Included | Included | Included | Included |
No ads, ever. You're the customer, not the product.
Capture a week. See your first projection.
Start with the free app. Upgrade when you're ready to plan.
On a computer? The iOS beta installs on your iPhone: open aurorafinance.app there and tap βInstall the iOS betaβ. Appleβs TestFlight app walks you through the rest.
Installing the iOS beta takes two steps:
- Install Appleβs free TestFlight app from the App Store.
- Come back here and tap βiOS beta (TestFlight)β again. TestFlight opens the invite: tap Accept, then Install.
You donβt need a redeem code. If TestFlight asks for one, it was opened without the invite: come back and tap the button again, in Safari rather than a chat app.